How do I plan my insurance plan?

Everyone's family situation, income, physical condition, occupation, etc. are different, so insurance plans are different, and you can develop your own protection plan from the following aspects:

1. The content of the insurance is configured in order according to the insurance needs of ordinary people, such as critical illness insurance, medical insurance, and accident insurance. Improve basic guarantees. Second, the amount insured, generally speaking, the premium accounts for 1 10 family income is more appropriate, too high will affect the current life, too low is obviously not able to achieve comprehensive protection.

The sum insured can be set at 10 times the annual family income in order to play a role in risk transfer.

Third, adults first and then children, starting with the protection of the pillars of the family, followed by the elderly and children in the family, only in this way can the economic risk of the family be minimized.

In planning insurance, we need to focus on the selection of premiums, insurance types, and insurance amounts.

It is estimated that many friends still have concerns about insurance, thinking that if you don't take out insurance, you will lose a lot, so you might as well take a look at what the experts say:

Should I buy insurance? If you don't take risks, won't the money be spent in vain?

1. Premiums. Insurance is essentially a kind of commodity, we pay premiums to insurance companies on a regular basis or in a lump sum, and they will bear the corresponding risk responsibilities in accordance with the content of the contract, so in the process of configuring insurance, premiums are an important factor that we cannot ignore.

Because buying insurance is not a matter of time and a half, it is likely to take up to 20 years, or even 30 years of payment, during this period, we must ensure that each premium can be paid on time, so as to ensure that the policy in hand will not lapse, to give us a more stable protection.

2. Insurance type matching.

Because the risks faced by different age groups are different, there are also differences in the combination of insurance types. If it is a group of children, it is mainly faced with the risk of accidents and diseases, so the suitable types of insurance are children's medical insurance, critical illness insurance, medical insurance and accident insurance.

For adult groups, especially the economic pillar of the family, because they bear the greatest family responsibility, once an accident occurs, it is a huge blow to the family, so they should be given a comprehensive protection, at this time the types of insurance that can be purchased are accident insurance, medical insurance, critical illness insurance, term life insurance.

As for the elderly, because of age, physical functions will inevitably go downhill, prone to diseases, and the legs and feet will begin to become inflexible, and the probability of accidents is also relatively large, so the suitable types of insurance include cancer insurance, accident insurance and medical insurance.

With so many types of insurance, which one should I buy first?

3. Sum insured. The sum insured refers to the maximum amount of compensation allowed by the insurance company in the insured event, so it is very important to choose a reasonable amount of insurance, because it is related to how much compensation you can get after the accident.

Here we take critical illness insurance as an example, the sum insured at least covers the medical expenses of **critical illness + 3-5 years of income loss + later **physiotherapy expenses, you can calculate it by this formula.

So, in addition to critical illness insurance, how should you choose the sum insured of other types of insurance? Interested friends can take a look at the following article:

How much insurance is appropriate? Let's talk about the doorway inside.

1. Self-evaluation.

1.Love the insurance industry and have a certain knowledge reserve in the insurance industry.

2.Have documentation.

3.Achievements during college.

4.Not afraid of hardship, dare to try and innovate.

5.Have a good sense of teamwork.

Second, the current status of the insurance industry.

The concentration of the insurance market is still high.

The role of insurance intermediaries is limited.

There is a shortage of high-quality personnel in insurance companies.

China's insurance market is still largely an oligopoly.

The development of China's insurance industry is still at a low level.

The level of professionalism in China's insurance industry is not high.

3. The future development trend of insurance.

With the rapid increase of China's total economy, the continuous enrichment of insurable resources and the continuous growth of insurance demand, we can fully expect that the scale of China's insurance market will expand rapidly in the future.

Short-term goal (2-3 years): insurance ** person.

Career prospects: With the rapid development of the insurance industry and the diversification of various information channels, people's insurance awareness will become stronger and stronger, and the number of customers who actively choose to understand and purchase insurance will gradually increase. According to the development experience of the foreign insurance industry and the current reform trend in China, the future insurance industry will be roughly monobious or multi-habitat development in the following routes.

Take the route of organizational development and set up a sales team.

Take the personal business route, and the customers are different.

Build customer channels through industry development.

There is no fixed customer channel, single scattered customer development δ my short-term goal is to strengthen my professional skills, cultivate service spirit, develop customer channels, make myself more competitive, choose to take the organizational development route after graduation, and select the talents around me to form my own sales team.

Long-term goals (8-10): Financial planner.

Career prospects: With the rapid development of China's economy in the past 30 years, the middle class and the wealthy class are rapidly forming, and a considerable number of them are gradually developing from the stage of aggressive investment and rapid wealth accumulation to the direction of prudent and conservative investment, financial security and comprehensive financial management, so the demand for financial planners who can provide objective and comprehensive financial services has grown rapidly. According to a survey by McKinsey, China's personal financial market will grow to $57 billion in 2006, and professional financial management will become one of the most promising financial businesses in China.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The planning of personal insurance and wealth management products is to achieve the purpose of risk management and investment for individual families through the purchase of relevant insurance products. Under normal circumstances, the planning of personal insurance wealth management products includes endowment insurance, universal insurance, education savings insurance, etc.

Extended reading: [Insurance] How to buy, which is better, hand to hand the dust reputation to teach you to avoid these insurance"pits"

Planning Insurance Methods:

1. Meet the security needs first, and then consider the investment needs. In the process of choosing insurance, many consumers often have a soft spot for investment-based insurance, often choosing "high-yield, high-return" insurance, while ignoring the most original protection function of insurance. In fact, accidents and illnesses are the most difficult risks to predict and control in life, and the significance of insurance protection is largely reflected in these two types of insurance.

Therefore, in the case of average economic conditions, it is advisable to meet such protection needs first;

2. Protect parents first, then children. "The greatest protection for children comes from their parents, so parents should be protected first, especially those with the highest financial contribution to the family;

3. Meet the needs of the sum insured first, and then consider the premium expenses. The sum insured is more important than the premium, and adequate insurance is one of the fundamental principles of insurance design. In fact, with an appropriate sum insured, the premium expenditure can be adjusted according to the actual situation such as different life stages, different financial situations, different career categories, different financial preferences, etc.

4. Meet the insurance plan first, and then consider the insurance product. When consumers consider insurance planning, they should consider the integrity and forward-looking nature of insurance planning, and make reasonable purchases according to their own needs;

5. Meet the personal insurance, and then consider the property insurance. When consumers consider buying insurance, they must distinguish between priorities and priorities, human protection is always more important than wealth protection, and it is a win-win situation to handle the relationship between life insurance and property insurance.

Since there is no actual economic income, you can first insure some accident insurance, which is cheap and has high protection, and then supplement it after the economy is stable.

Insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

To be honest, we make money for a lifetime, and at the same time, we spend money for a lifetime, so why does everyone work so hard? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. If you are not healthy, it is impractical to have more pension insurance.

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

To do insurance is to share the concept of insurance with the people around you, or to find people who need to understand insurance and buy insurance.

As long as you share the concept of insurance with others every day and look for people who need insurance, then you will definitely be a successful insurance person.

Hello! It's up to you to do it.

First, review the learning content.

Second, what skills have been acquired after learning.

Third, a description of the output of the learning outcomes.

Fourth, how will the learning results be used in the future?